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Annuities are essentially contracts that have two phases, a building phase and a phase in which a person gets their money back. Learn to get rid of the fear surrounding annuities withhelp from a licensed insurance agent in this free video on retirement planning and personal finance. Expert: William Rae Contact: www.hbwfl.com Bio: William Rae has been licensed in the insurance and financial fields for more than 30 years. Filmmaker: Christopher Rokosz